Abstract: The invention relates to a device (10, 50, 60, 200) for handling notes of value. The device (10, 50, 60, 200) comprises a radio unit (20) for sending data from the device (10, 50, 60, 200) to a service unit (22) via mobile radio (24). Further, the device (10, 50, 60, 200) has a safe (12, 202) in which at least one cash cassette (14a, 14b, 100, 204a, 204b) is accommodated. The cash cassette (14a, 14b, 100, 204a, 204b) comprises an authentication data memory (18a, 18b, 106, 208a, 208b) in which authentication data for the unambiguous authentication of the cash cassette (14a, 14b, 100, 204a, 204b) by the service unit (22) are stored. The radio unit (20) transmits the authentication data and stock data with information on the current stock of notes of value in the cash cassette (14a, 14b, 100, 204a, 204b) to the service unit (22) via mobile radio (24). A further aspect of the invention relates to a cash cassette (100, 204a, 204b) for holding notes of value.

Abstract: The present invention relates to an automated teller machine for a vehicle driver, and more particularly, to an automated teller machine for a vehicle driver in which a display unit itself of the automated teller machine is configured to be rotatable so that the vehicle driver may manipulate the display unit conveniently, whereby the vehicle driver can easily verify the data displayed on the display unit and input the information as necessary.

Abstract: Provided is a medium sensing apparatus. The medium sensing apparatus comprises a first frame having a hole in a side surface thereof, a second frame coupled to the first frame, a first sensor mounted on the first frame, a bracket connected to the first sensor, the bracket contacting the second frame, and a shaft disposed on the first sensor or the bracket to pass through the hole, the shaft being movable within the hole.

Abstract: A coin exchange machine (10) and method in which a coin counting mechanism (25, 23) receives a plurality of coins from a customer and counts the coins to determine a total, a dispensing mechanism (20) dispenses a receipt (17a) in exchange for the coins, and wherein before accepting coins for totaling and before dispensing the receipt, the machine (10) causes a display of a notice (21, 22) with a request for the customer to indicate acceptance through a user interface; wherein the machine (10) receives the customer's acceptance of the notice (21, 22) through the user interface; and wherein only after the customer's acceptance, the machine (10) then proceeds to receive and count coins deposited by the customer and to dispense the receipt (17a) to the customer for redemption. The machine (10) keeps a record of the transactions for performing a reconciliation routine to identify unredeemed receipts.

Abstract: A user device may be capable of providing a service portal and feedback on the condition of the user device, such as a user device. A condition analysis of the user device may be performed by a user, such as a person or a computing device. A condition analysis may be performed to determine the physical condition and the operational condition of the user device. A condition rating may be assigned to the user device that may be commensurate with the condition analysis. The condition data and condition analysis may be entered into and stored in a data store. A maintenance action may be performed based at least in part on the condition rating. The user device may be a user device that may be operated by a financial institution or other business entity. A user may be a customer and/or an employee, vendor, or contractor of the financial institution or other business entity.

Abstract: A card actuated automated banking machine is operative to carry out financial transactions responsive to data included on user cards. The machine includes a user interface including a display. The user interface includes a card reader which is operative to read data on user cards which identify at least one of a user and a user's financial accounts. A fascia of the machine includes a keypad through which users input confidential data. Covers prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted.

Abstract: A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine is in connection with a card reader operative to read data corresponding to financial accounts from user cards. The apparatus further includes an RFID reading device that is operative to read signals from RFID tags to obtain deposit information therefrom. The information can include data associated with of the deposit, such as an account number and the deposit amount. The information can include cash value. A computer is operative to credit a financial account for value associated with deposit items responsive to data read by the card reader and/or RFID reading device.

Abstract: A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The machine includes a card reader that can read card data corresponding to financial accounts, and a biometric reader that can read user identification data. The machine also includes an RFID reader that can read signals from RFID tags to obtain deposit information therefrom. The deposit information can include deposit data such as an account number and the deposit amount. The machine also includes a computer that causes a financial account to be credited for the value of deposited items, responsive to data read by the various reader devices.

Abstract: A card actuated automated banking machine (10) is operative to carry out financial transactions responsive to data included on user cards. The machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted.

Abstract: A banking system is controlled responsive to data included on data bearing records. The system includes a deposit accepting machine for accepting deposit items, such as deposit bags, currency, and checks. The deposit accepting machine is in connection with a card reader operative to read data corresponding to financial accounts from user cards. The apparatus further includes an RFID reading device that is operative to read signals from RFID tags to obtain deposit information therefrom. The information can include data associated with of the deposit, such as an account number and the deposit amount. The information can include cash value. A computer is operative to credit a financial account for value associated with deposit items responsive to data read by the card reader and/or RFID reading device.

Abstract: A system and method is provided for an ATM having a display, a logic server coupled to the display, and a memory coupled to the logic server. The logic server dynamically controls the functions available to the users including messages and coupons. A host contains a profile of a user. The memory, which is accessible to the logic server, may contain a profile of at least one user. A user card may contain a profile of the user. In operation, the ATM detects the a user's card and requests the profile of the user whose card was detected from a host. The ATM then receives the user's profile and stores the user's profile in the ATM. The system and method also provides a cardless ATM in which a user logs on without a card. Additionally, system and method also provides ATM services via a personal device.

Abstract: An automated banking machine operates responsive to data read from data bearing records. The machine includes a card reader that is operative to read data from user cards corresponding to financial accounts. The machine includes at least one computer and a plurality of transaction function devices. The machine further includes a plurality of device driver components that generally correspond to each of the transaction function devices. The device drivers are operative responsive to communication from an XFS layer to control the operation of the transaction function devices. The machine operates responsive to markup language documents to accomplish financial transfers.

Abstract: An automated transaction machine with a cross-vender software and hardware platform architecture includes a computer and a plurality of transaction function devices. The machine further includes a plurality of device driver components that generally correspond to each of the transaction function devices. The device drivers are operative responsive to communication from an XFS layer to control the operation of the transaction function devices. The machine further includes a terminal application and an ODS layer. The ODS layer includes a plurality of ODS components that generally correspond to the device drivers and/or transaction function devices. The ODS components responsive to the terminal application are operative to have the device drivers control the operation of the transaction function devices through communication with the XFS layer.

Abstract: An ATM includes a user interface having plural electronic ink displays. Displays can be used as identification labels. A display identifying the function of a transaction function device can be located adjacent to that device. Displays can also be used to provide instructions to machine users. A display on how to insert a card into the ATM can be located adjacent the card input slot. An display can be in direct communication with both a card reader and an encryption pin pad (“EPP”). Upon suspecting card reader tampering, the card reader can instruct the display to present a message warning of the situation. Likewise, upon suspecting EPP tampering, the EPP can instruct the display to present a warning message. Displays can also instruct a machine user on when and when not to insert their PIN depending on the mode of the EPP.

Abstract: An automated banking machine (10) includes a lockable first fascia portion (20) which when unlocked enables access to a chest lock input device (104), inputs to which enable opening a chest door (18) of the machine. Opening the first fascia portion also enables access to an actuator (116) which enables moving a second fascia portion (22) for conducting service activities. A controller (72) in the machine selectively illuminates light emitting devices (118, 126) for purposes of facilitating user operation of the machine. Sensing devices (128) adjacent a card reader slot (28) on the machine enables the controller to detect the presence of unauthorized card reading devices. Servicing the machine is facilitated through use of a portable diagnostic article (98) which enables the controller to access diagnostic data stored in memory and which provides data indicative of the significance of the diagnostic data.

Abstract: Method for transferring an electronic sum of money from a credit memory associated with a money sender to an account or to a credit memory associated with a money receiver via a telecommunications and data network in real time, the necessary connections being set up via a transaction server.

Abstract: An automated transaction machine including an extensions for financial services (XFS) layer is provided. An application interface portion of the XFS layer is operative to communicate with an application layer of the ATM which may include terminal applications. A hardware interface portion of the XFS layer is operative to communicate with a hardware layer of the ATM which may include hardware devices of the ATM and associated service providers. A diagnostic application is operative to determine whether problems exist in the application layer or the hardware layer of the ATM by causing a plurality of hardware devices to perform predefined operations using the XFS layer and by monitoring the operations. The diagnostic application is operative to output a determination as to whether a problem with the ATM is associated with the components of the application or hardware layers of the ATM responsive to the success or failure of the operations.

Abstract: An automated transaction machine including an extensions for financial services (XFS) layer is provided. An application interface portion of the XFS layer is operative to communicate with an application layer of the ATM which may include terminal applications. A hardware interface portion of the XFS layer is operative to communicate with a hardware layer of the ATM which may include hardware devices of the ATM and associated service providers. A diagnostic application is operative to determine whether problems exist in the application layer or the hardware layer of the ATM by causing a plurality of hardware devices to perform predefined operations using the XFS layer and by monitoring the operations. The diagnostic application is operative to output a determination as to whether a problem with the ATM is associated with the components of the application or hardware layers of the ATM responsive to the success or failure of the operations.

Abstract: An automated banking machine (10) includes a user interface (12) including an opening (20). Users of the machine deliver and receive individual sheets and stacks of sheets to and from the machine through the opening. Stacks of sheets may include sheets such as notes, checks or other documents. Stacks input to the machine may include mixtures of various types of sheets. The machine operates to receive notes, process checks and perform other operations. Notes received in the machine and assessed as valid may be recycled and dispensed to other users. Notes assessed by the machine as being of questionable validity may be marked with a removable mark and subjected to further analysis. Checks processed by the machine may be imaged by an imaging device, cancelled and stored in the machine or alternatively returned to a user.

Abstract: A processing system for charge request data issued from a charge requesting organization performs collective processing of the request data without generating payment slips. This system includes filter means for extracting a contractor number of a charge paying organization from a contractor code of the requesting organization included in the request data, the contractor code of the requesting organization includes the contractor number of the paying organization and other management data formatted within the contractor number of the paying organization, the other management data include a charge request amount for each day of payment and for each account of the paying organization. This system also includes request data processing means for preparing request data for each day of payment including the contractor number of the paying organization and the charge request amount for each account of the paying organization, each type of charge, each requesting organization and each contractor.

Abstract: The present invention pertains to a system and method for assisting a visually impaired individual in performing a financial transaction at an automated teller machine, comprising initiating a visually impaired transaction session through a preset event at the automated teller machine; wherein the automated teller machine comprises a touch screen display for displaying operation instructions to a customer and for receiving input from a customer; an output jack for providing signals which can be converted to audible sounds by means of a headset; a bill dispensing mechanism for dispensing a bank not corresponding to a specified amount; a receipt issuing unit for printing a transaction content and for issuing a receipt on which the transaction content is printed; and a controller connected to the card reader, the touch screen display, the output jack, the bill dispensing unit, and the receipt issuing unit, the controller providing signals to the output jack corresponding to information provided on the touch scre

Abstract: Message files preferably comprising MPEG video messages are provided to transaction terminals for display of non-transaction messages to users during a terminal transaction. The messages are selected and displayed upon transaction approval. Operation of the terminal in accordance with transaction approval, i.e., to dispense cash or print a record, is initiated during the interval when the selected message is displayed.

Abstract: A security device and a security system incorporating such a device comprises a portable secure object which includes a unit for storing information, a unit for storing a voice biometric signal or a signal indicative thereof, and an integral microphone. The microphone generates the voice biometric signal during a registration procedure, and subsequently derives a further voice biometric signal for comparison with the generated voice biometric signal for subsequent interrogation purposes.

Abstract: A system operates to receive status messages from banking machines (12) operating in a network (14). The messages are received by an event management system (20) operating at least one computer (54) in operative connection with a data store (52). The data store includes information representative of the banking machines in the network, status messages generated by the banking machines and actions to be taken including entities to be notified of conditions which cause status messages to be sent by the various banking machines. A device status processing program (36) in the computer resolves an action to be taken responsive to the status message. Responsive to the action resolved by the device status processing program the computer causes a notification message to be dispatched by a multimedia reporter to an entity who is to be notified of the condition at the banking machine which caused the status message.

Abstract: A method of recovering and thus possibly completing interrupted smart card transactions includes providing a smart card that stores a first and a second pointer, the second pointer being used to indicate an update of the first pointer. In the case of an interruption of a smart card transaction, these pointers are be used to indicate whether a change of a card balance has taken place by the equality of the values of these pointers.

Abstract: A system operates to receive status messages from banking machines (12) operating in a network (14). The messages are received by an event management system (20) operating at least one computer (54). The computer is in operative connection with a data store (52). The data store includes information representative of the banking machines in the network, status messages generated by the banking machines and actions to be taken including entities to be notified of conditions which cause status messages to be sent by the various banking machines. The event management system receives the messages and places them in a uniform standard message format for further processing by the system. A device status processing program (36) in the computer resolves an action to be taken responsive to the status message.

Abstract: A cash processing system includes a detachable cash safe, a cash processing apparatus that detachably receives the cash safe for automatically setting a commanded amount of cash therein, and a cash handling apparatus that detachably receives the cash safe, in which the commanded amount of cash is set, for performing services including a cash dispensing service. The detachable cash safe has a cash left containing unit for containing left cash and a cash handling unit for performing a dispensing operation. Left cash information associated with the left cash is stored in a left cash storage file in a memory when cash is left in the cash handling apparatus. The left cash information is displayed upon returning the left cash, and a search of the left cash storage file in the memory is performed for part of the left cash information entered through an input section for accessing corresponding left cash information.

Abstract: The present invention discloses an automatic cash transaction apparatus having a main body and an additional unit. On the basis of instruction information from the user, an apparatus main body executes processes regarding a cash transaction while communicating with a high-order apparatus. An input/output apparatus having a telephone is provided as an additional unit for the apparatus main body. The input/output apparatus synthesizes audio data on the basis of an instruction from the apparatus main body and outputs an audio message signal to a telephone. The user operates dial buttons of the telephone in accordance with the audio message. Since the telephone has the same dial button arrangement as that of the telephone which is daily used, even a visually handicapped person can easily execute a necessary inputting operation.

Abstract: An automatic form dispensing system for a variety of transactions has a housing with an operator interface for receiving operator input, and has a form dispensing assembly in the housing and a roll of blank form stock and two rolls of a carrier web containing blank stickers retained thereon by a pressure sensitive adhesive. At least one of the stickers is removed automatically from the carrier web and applied to the blank form stock as the blank form stock moves towards a dispense slot of the housing. A printer thermally prints information on the sticker and on a portion of the blank form stock adjacent the applied sticker in response to the operator input. A cutter cuts the printed potion of the form stock which contains the applied sticker from the roll of blank form stock to provide a completed printed form. A dispensing device then dispenses the printed form from the housing through a dispense slot.

Abstract: An automatic cash handling system for handling cash transactions with the user using a cash card privately held by him or her. The system comprises a device for issuing a record such as a transaction statement printed with details of a transaction such as deposit, withdrawal or confirmation of balance, and a device for allowing the user to opt for or relinquish the issuance of a record. In operating the system, the user decides whether a record is to be issued or not, and if he requires one, a record issuing devices issues a record printed with transaction data. If he demands no issuance of a record, on the other hand, the transaction data is indicated on an indication device.

Abstract: An automatic fee receiving and receipt dispensing system, particularly designed for vehicle registration transactions and the like, comprises an outer housing with a customer interface for displaying information to a customer and receiving customer input and fee payment, and a dispenser assembly in the housing for storing forms specific to the transaction having pre-printed areas and blank areas for receiving information specific to a transaction, a printer for printing information in the blank areas of the forms, and a dispensing device for dispensing printed forms to customers. A control unit in the housing controls operation of the customer interface and dispenser assembly, and is linked via an interface to a remote database containing transaction and fee information, for example vehicle registration records.